Bank of Tampa, The
Tampa, FL · Cert 21031 · Peer group: banks $1B-$10B in assets (n=322-328) · Tampa Bay Banking Co.
State charter, non-member · FDIC · 13 branches
Q2 2026
$3.0BAssets
$2.1BLoans
$2.7BDeposits
$295.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 70% of banks $1B-$10B in assets (rank 98 of 328).
- Widest gap: equity / assets trails 61% of banks $1B-$10B in assets (rank 199 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.24%
Rank 157 of 328
Net Interest Margin
3.35%
Rank 190 of 328
Efficiency Ratio
57.96%
Rank 143 of 328
Equity / Assets
9.76%
Rank 199 of 328
Non-interest income vs. expense
Unfavorable gap of $51.3M · efficiency ratio beats 57% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.91% | 1.22% | 1.52% | Beats 52% | 157 / 328 | n/a | |
| Return on Equity | 12.72% | 8.43% | 11.45% | 14.43% | Beats 60% | 131 / 328 | n/a | |
| Net Interest Margin | 3.35% | 3.03% | 3.45% | 3.83% | Beats 42% | 190 / 328 | n/a | |
| Efficiency Ratio | 57.96% | 51.61% | 59.56% | 67.53% | Beats 57% | 143 / 328 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.24% | 0.51% | 1.03% | Beats 69% | 101 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 63% | 121 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 14.52% | 11.75% | 13.15% | 15.47% | Beats 67% | 108 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 15.77% | 12.63% | 14.15% | 16.46% | Beats 70% | 98 / 328 | n/a | |
| Equity / Assets | 9.76% | 9.15% | 10.33% | 12.01% | Beats 39% | 199 / 328 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 76.69% | 76.63% | 87.92% | 95.36% | 25th pctl | 242 / 323 | n/a | |
| Loans / Assets | 68.69% | 65.18% | 74.15% | 79.98% | 32nd pctl | 224 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |